The Higo Bank, Ltd., together with its subsidiaries, operates as a regional bank in central Kyushu, Japan. The company accepts customer deposits, including negotiable certificates of deposit; and provides bankruptcy loans, past due loans, and restructured loans. It also offers mutual funds, government bonds, time deposits, and foreign currency deposits, as well as acts as a financial intermediary for various financial products. In addition, the company acts as an agent for various insurance companies offering insurance products. Further, the company engages in credit card business, domestic and foreign exchange transactions, securities trading, and leasing and lending activities. It primarily serves small-and medium-sized enterprises, and individual customers. The company was founded in 1925 and is based in Kumamoto, Japan with a network of branch offices in Japan. The Higo Bank, Ltd. operates as a subsidiary of Kyushu Financial Group, Inc.